Privacy Policy for Value Trust

Last Updated: January 1, 2025

Our Commitment to Your Privacy

At Value Trust, we understand that trust is the foundation of banking. We are committed to protecting your personal and financial information with the highest standards of security and confidentiality. This privacy policy explains how we collect, use, share, and protect your information when you use our online banking and bill payment services.

Information We Collect

Personal Information

• Full name, date of birth, and contact information
• Social Security number or taxpayer identification number
• Government-issued identification numbers
• Employment information and income details
• Physical address and proof of residence

Financial Information

• Bank account and routing numbers
• Credit and debit card information
• Transaction history and payment records
• Bill payment relationships and recurring payment settings
• Account balances and financial statements

Technical Information

• Device information and IP addresses
• Browser type and operating system
• Login times and session duration
• Mobile device identifiers
• Location data when you access our services

How We Use Your Information

Essential Services

• Process your financial transactions and bill payments
• Verify your identity and prevent fraud
• Maintain and service your account
• Communicate important account updates and alerts
• Respond to your inquiries and support requests

Service Improvement

• Enhance our banking platform and user experience
• Develop new features and services
• Analyze usage patterns to improve security
• Conduct troubleshooting and maintenance

Legal and Regulatory Compliance

• Meet banking regulations and reporting requirements
• Prevent money laundering and suspicious activities
• Respond to legal requests and court orders
• Protect our rights and property

How We Protect Your Information

Security Measures

• Industry-standard encryption for data transmission
• Multi-factor authentication
• Regular security audits and penetration testing
• Employee training on data protection
• Secure data centers with physical and electronic safeguards

Data Retention

• We retain your information as long as your account is active
• Information is kept for regulatory compliance periods
• Secure disposal of data when no longer needed

Information Sharing

We Share With

• Third-party service providers essential for operations
• Government agencies for regulatory compliance
• Financial institutions to process transactions
• Law enforcement when legally required

We Never

• Sell your personal information to third parties
• Share your data for marketing purposes without consent
• Provide access to unauthorized parties

Your Rights and Choices

You Can

• Access your personal information
• Request corrections to your data
• Opt-out of certain data sharing
• Close your account and request data deletion
• Manage communication preferences

Contact Us

For privacy-related questions or concerns:

• Email: privacy@value-trust.ltd
• Phone: +31620652836
  
• Mail: Privacy Officer, Value Trust, Bonckenburchstraat, 451964 CE  Heemskerk, Netherlands
  

Updates to This Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. We will notify you of any material changes through our website or email.

Regulatory Information

Value Trust is licensed and regulated by FDIC. We comply with all applicable federal and state privacy laws, including:

• Gramm-Leach-Bliley Act (GLBA)
• California Consumer Privacy Act (CCPA)
• General Data Protection Regulation (GDPR) for EU customers
• Bank Secrecy Act (BSA)